List of Items
Certain documents are required for your “loan package”. Here is a listing of items you will need to collect and have ready to process a mortgage loan….
On your first visit to let us pre-qualify you, please bring:
- A recent pay stub
- A listing of your debts and payments
At the time of your actual loan application, we will need the following items:
- Purchasing - original executed offer to purchase (sales contract)
- Refinancing - copy of deed
- Pay stubs covering the most recent 30-day period
- W-2’s for the last 2 years
- If self-employed: 2 years tax returns both personal & business, year-to-date profit & loss statement and balance sheet
- Most recent 3 months bank statements on all checking, savings accounts, and certificates of deposit
- Most recent statement on retirement accounts, 401(k), pension plans, stock accounts, mutual funds (if using these funds for closing costs)
- Residence address past 2 years (landlord address & phone number)
- Names, addresses, account numbers, balances & monthly payments on all open loans
- Address of other real estate owned and loan information
- Address, account number, phone number of mortgage company (if refinance)
- Copy of separation agreement and final divorce (if applicable)
- If selling a previous residence, a copy of the executed sales contract
- A check for the credit report
